Concierge Service

You dream it, Platinum Concierge can bring it to life. From restaurant suggestions, inventive ideas for memorable nights out to amazing places to visit while travelling, Platinum Concierge is at your service.

Earn 1 point for every $1 in purchases charged to the Card. Plus, you can earn 1 extra point for every $1 in eligible purchases charged to the Card at 3 suppliers you pick from a list of select American Express merchants in Canada. You can earn up to a maximum of 250,000 extra points in each calendar year2.

Enjoy rewards flexibility that makes your business spending work for you. Use your points to:

Offset Business Expenses with PointFlex for BusinessTM3 You have the option to redeem points for statement credits to offset eligible purchases charged to your Card at certain American Express Merchants in Canada. These merchants provide goods and services in business categories such as equipment, technology, advertising and everyday business expenses. 12,500 points = $100 PointFlex for Business statement credit.

Earn a Welcome Bonus of 30,000 points when you charge $5,000 in purchases to your Card in your first three months of Cardmembership.9That’s enough to redeem for a $300 TripFlex™ rewards statement credit to use towards eligible travel purchases charged to your Card.1

Turn business expenses into points, which you can use to indulge special clients, reward employees and treat yourself.

Offset Business Expenses with PointFlex for BusinessTM3. You have the option to redeem points for statement credits to offset eligible purchases charged to your Card at certain American Express Merchants in Canada. These merchants provide goods and services in the business categories such as equipment, technology, advertising and everyday business expenses. 12,500 points = $100 PointFlex for Business statement credit.

Transfer your points, at no charge, to many frequent flyer and other loyalty programs4 including 1:1 to Aeroplan®*5 and Avios6 25,000 points is enough for a round trip economy flight almost anywhere in North America7

Use points for a wide range of gift cards and merchandise8

Shop and dine with points by redeeming for a wide selection of gift cards and certificates, including Golf Town10, The Home Depot11, Holt Renfrew, The Keg Steakhouse & Bar® and Bon Appétit12. You can also choose to redeem points for top brand merchandise such as Apple13, Bose® and Sony.

Dynamic Purchasing Power. With the Business Gold Rewards Card your purchasing power adjusts dynamically with your card usage and can grow over time as long as you make your payments on time and maintain a good credit history. Use your Card for all your purchases and watch your purchasing power grow.15

American Express 24/7 Business Servicing. As an American Express Small Business Cardmember, you will have access to around-the-clock servicing to help you manage your account, whether you’re at the office or on the road

Benefits that simplify travel.

Complimentary Car Rental Theft and Damage Insurance16†
Save money when travelling with complimentary Car Rental Theft and Damage Insurance. Where allowed by law, you will be automatically covered for damage or theft of your rental car with an MSRP of up to $85,000.

To take advantage of this protection, simply decline the Loss Damage Waiver (LDW) or similar option offered by the car rental company, and fully charge your rental to your Business Gold Rewards Card. There’s no additional charge for this coverage, and you save yourself the daily insurance fee (usually $16 to $23 per day) charged by the car rental company.

Baggage Delay Insurance17†
Book a flight with your Business Gold Rewards Card and receive up to $500 coverage (aggregate maximum with Flight Delay Insurance) for reasonable and necessary emergency purchases. To find out more about this coverage call 1-866-426-7505.

Flight Delay Insurance18†
Charge your airline ticket to your Business Gold Rewards Card and receive up to $500 coverage (aggregate maximum with Baggage Delay Insurance) for hotel, motel, restaurant expenses and other sundry items. To find out more about this coverage call 1-866-426-7505.

Lost or Stolen Baggage Insurance17†
When you fully charge your airline tickets to your Business Gold Rewards Card you can receive up to $500 coverage for loss or damage to your luggage or personal effects while in transit.

Hotel / Motel Burglary Insurance17†
Automatic coverage of up to $500 against the loss of most personal items if your hotel/ motel is burglarized.

$100,000 Travel Accident Insurance19†
Up to $100,000 of Accidental Death and Dismemberment insurance covers you, your spouse and dependent children under the age of 23 when any of you travel on a common carrier (plane, train, bus or ship) and charge your tickets to your Business Gold Rewards Card. Supplementary Cardmembers, their spouses and dependent children under age 23 are also covered.

Travel Emergency Assistance20
Out-of-town emergency medical and legal referrals, and important travel-specific information, such as visa requirements or customs and inoculation regulations, are available by telephone, 24 hours-a-day, 7 days-a-week.

Protecting your business interests.

Employee Card Misuse Protection21
Your Card may be covered for eligible unauthorized charges if you terminate the Supplementary Cardmember and cancel their Card within 2 business days. Employee Card Misuse Protection is a benefit created specifically for business owners and it provides coverage of up to $100,000 per Cardmember in case employees misuse their employee Card for unauthorized charges.

Disability Plan for Small Business22†
Your Company can benefit from valuable protection against the financial hardships caused by permanent, total disability. If you, as a Sole proprietor, become permanently, totally disabled as a direct result of an accidental injury, you are eligible to receive up to $10,000 in benefits. Benefits increase with the length of Card membership. After two years, benefits increase to a maximum of $25,000. After six years, the maximum amount is $50,000.

Purchase Protection® Plan

With the kind of schedule you keep, it’s never a good time for problems to arise. So we’ve made your problems our business, with service that reaches around the world to make things right. And keep you on schedule.

Emergency Card Replacement

To save you time, make sure you can say yes to the following before applying for the American Express® Business Gold Rewards Card:

You are a Canadian resident and have a Canadian credit file

You are of the age of majority in the province or territory where you live.

In the past 7 years, you have not filed for bankruptcy

You have always made your monthly payments on time

*As a Charge Card, the balance must always be paid in full each month. 30% annual interest rate applies to balances not paid in full. Payments must be received and processed by the date of the next monthly statement to avoid interest charges.

You can redeem Membership Rewards points for a statement credit toward an Eligible Travel Purchase, which is a purchase charged to your Card at travel retailers we categorize as an airline, hotel, car rental company, cruise line, travel agency, tour operator or online travel website and includes related taxes, booking fees, airport fees and insurance premiums. You must redeem a minimum of 1,000 points for a $10 statement credit. The credit must not exceed the amount of the Eligible Travel Purchase. Eligible Travel Purchases that have been posted to your Card account during the last three months can be viewed online. You can register for online services to view your Eligible Travel Purchases. If you wish to redeem points against an Eligible Travel Purchase that was posted to your Card account within the last 12 months that is not displayed online, please contact us at the number listed on the back of your Card. Other terms, conditions and restrictions apply.

Account must be in good standing. Membership Rewards points (points) earned by the Basic Cardmember on all purchases, less credits and adjustments. Funds advances, interest, annual, other fees, and charges for travellers cheques and foreign currencies are not purchases and do not qualify for points. A minimum purchase of $0.50 is required to earn points. Earn one (1) point for every $1.00 in eligible purchases charged to your card. Subject to an annual maximum of 250,000 extra points, you can earn one (1) extra point for every $1.00 in eligible purchases made at Your 3 Suppliers which means purchases at Canadian locations of the three suppliers the Basic Cardmember chooses from a predefined list of American Express small business merchants. To view the list of participating merchants visit amexforbusiness.ca/supplierlist. List is subject to change without notice. Extra points will not be earned at Your 3 Suppliers if the merchant category for the purchase is not identified. This may happen when the transaction information we receive does not come directly from the merchant, for example, when the purchase is made: i) using your payment account with a third party, ii) using your Card at an online retailer that sells goods and services of other merchants, or iii) if the merchant uses a third party payment service such as a card reader attached to a mobile phone.

PointFlex for BusinessTM - You can redeem Membership Rewards points for a statement credit toward an Eligible Business Purchase, which is a purchase charged to your Card at select American Express merchants in Canada chosen by us that provide goods and services to businesses. You must redeem a minimum of 1,250 points for a $10 statement credit. The credit must not exceed the amount of the Eligible Business Purchase. Eligible Business Purchases can only be viewed online. You must register for online services to view your Eligible Business Purchases. Other terms, conditions and restrictions apply.

Points transfer ratios vary by participant and transfers can take up to 5 days. Other terms apply. Visit membershiprewards.ca for details.

Membership Rewards points transfers must be made in increments of 100 points, with a minimum redemption requirement of 1,000 points for each transfer. 1,000 Membership Rewards points = 1,000 Aeroplan Miles. Other terms, conditions and restrictions apply. Visit membershiprewards.ca for full Membership Rewards Terms and Conditions.

Membership Rewards point transfers must be made in increments of 100 points, with a minimum redemption requirement of 1,000 points for each transfer. 1,000 Membership Rewards points = 1,000 Avios. Avios are subject to British Airways Executive Club terms and conditions. For more information please visit ba.com.

25,000 Membership Rewards points = 25,000 Aeroplan Miles. As per Aeroplan's current reward chart, 25,000 Aeroplan Miles are currently enough for a round-trip long-haul flight reward in economy class within Canada or to the Continental US with Aeroplan ClassicFlight Rewards (applicable fees and taxes are additional). Reward seat availability is capacity controlled and is subject to seasonality of demand. Please visit aeroplan.com for details.

Membership Rewards points can be redeemed for Gift Cards, Certificates and other merchandise. The Gift Card or Certificate is subject to the Terms and Conditions indicated on the reward. For Full Membership Rewards Terms & Conditions, visit membershiprewards.ca or call 1-800-668-2639.

To qualify for a Welcome Bonus of 30,000 points you must have at least $5,000 in net purchases posted to your account in your first 3 months of Card membership. Account must be in good standing. This offer is not applicable to holders of an existing American Express Small Business Card product. When we stop offering the Welcome Bonus, we reserve the right to accept applications but you will not be eligible for the Welcome Bonus.

Your Golf Town Gift Card may be used at all Golf Town stores. It cannot be redeemed for cash or applied as payment to any account unless required by law. The value on this Gift Card will not be replaced if the Gift Card is lost, stolen, destroyed, altered or used without your permission.

® The Home Depot is a registered trademark of Homer TLC, Inc.

Bon Appétit Gift Card™ is a trademark of Cara Operations Limited or its affiliates and is used under license.

Apple is not a participant in or sponsor of this promotion.

As a Charge Card, the balance must always be paid in full each month in which no interest charges will apply. The interest free grace period is 28,29, 30 or 31 days from the closing date of the current statement to the closing date of the next statement depending on the number of days in the calendar month in which the closing date occurs. The number of interest free days varies based on a variety of factors, including when charges are posted to your account, whether your account is in good standing, and the closing date of your statement.

No pre-set spending limit on purchases does not mean unlimited spending. Your purchases are approved based on a variety of factors, including your credit record, account history and personal resources. Proof of resources and security may be required.

Underwritten by Royal & Sun Alliance Insurance Company of Canada. Coverage is in effect as long as you have fully charged your rental(s) to your Business Gold Rewards Card. There are specific conditions that apply to who may rent and drive the rental vehicle, the length of rental and the type of vehicle covered.

Underwritten by RBC Insurance Company of Canada. In Quebec, certain coverages are underwritten by RBC General Insurance Company.

Underwritten by RBC Insurance Company of Canada.

Travel Accident Insurance provides automatic coverage of up to $100,000 of Accidental Death and Dismemberment insurance when you fully charge your common carrier (plane, train, ship or bus) tickets to your Business Gold Rewards Card. Use the Card to book tickets for your spouse, dependent children (under 23) or any Supplementary Cardmember and they will also be covered. Spouse and dependent children (under 23) of Supplementary Cardmembers are also covered. Travel Accident Insurance is Underwritten by ACE INA Life Insurance, Head Office in Canada: Toronto, Ontario, under Master Policy TMH600135.

All the services associated with the Travel Emergency Assistance are provided worldwide with the exception of some countries (it is best to check with Customer Service). In addition, services may be limited or prevented by acts of God, war, civil commotion, labour disputes, unavailability of goods or services, or refusal of permission by local authorities.

Employee Card Misuse Protection is not insurance. It is a benefit made available to you by Amex Bank of Canada and Administered by Royal & Sun Alliance Insurance Company of Canada. Please read the terms and conditions of the Employee Card Misuse Protection carefully, as they include specific terms, limitations, conditions and exclusions that may affect your coverage.

Underwritten by AIG Insurance Company of Canada.

When you charge the full price on eligible purchases to your Business Gold Rewards Card, the coverage given under the manufacturer’s original warranty is automatically doubled for up to one additional year. Buyer's Assurance Protection Plan is underwritten by Royal & Sun Alliance Insurance Company of Canada.

Underwritten by Royal & Sun Alliance Insurance Company of Canada. Coverage is in excess of any and all other applicable insurance.

†: All insurance coverage is subject to the terms and conditions of the respective master policies. Certain limitations, exclusions and restrictions apply. Please read your Certificates of Insurance carefully.

® Used by Amex Bank of Canada under license from American Express

®* Aeroplan is a registered trademark of Aeroplan Limited Partnership.